Original Credit Transaction

Original Credit Transaction (OCT) is a push payment that enables a sender to transfer funds directly to a recipient’s Visa Card Holder account in real time. Refer Card Tokenization SDK - Integration Guide for collecting the Card holder data from the end consumer using the IFrame.

Method: POST

{{URL}}/rpc/VisaDirectService/OriginalCreditTransaction

Example

Request Parameters

Parameter	Description
businessId Mandatory	String Identifies the program's business application type for VisaNet transaction processing.
senderAccountNumber Mandatory	String Account number of the sender.
endToEndID Mandatory	String ID given to track the transaction from initiation to completion.
purposeOfPayment Optional	String Payment purpose.
transactionCurrencyCode Mandatory	String 3-character alpha or numeric currency code for the sender's currency.
amount Mandatory	Amount to be sent.
cardToken Mandatory	String Token containing the card number and card expiry date.
serviceProcessingType Mandatory	Object Specifies whether the transaction is 'Instant OCT'.
serviceProcessingType.requestType Mandatory	String OCT type. Valid Values '00' - OCT

Body

{
    "businessId": "BP",
    "senderAccountNumber": "4060320000000127",
    "amount": "343434",
    "transactionCurrencyCode": "USD",
    "purposeOfPayment": "billing",
    "endToEndID": "343434",
    "cardToken": "cfbedf58cb79ba81ee9aafecad212d5a",
    "serviceProcessingType": {
        "requestType": "00"
    }
}

Response: 200

Response Parameters

Parameter	Description
success	Boolean Indicates if the transaction completed successfully. Present only for SUCCESS scenario.
referenceNumber	String Unique identifier generated for a successful transaction. Returned only when 'success = true'.
status	String Transaction status. Possible values: 'PENDING', 'SUCCESS', 'FAILED'.
message	String Readable message describing the transaction outcome.
actionCode	String Action code for authorization (Positive Transactions - '00', '10', '11' and '85'). Present only for SUCCESS scenario.
responseCode	String Visa response code (e.g., 'V' = Approved). Present only for SUCCESS scenario.
error.code	String Error identifier describing the failure reason. Present only for FAILED scenario.
error.message	String Readable error message describing the failure. Present only for FAILED scenario.

// "PENDING" Scenario

{
  "status": "PENDING",
  "message": "Transaction is  pending "
}

// "Success" Scenario

{
    "Message": "Transaction completed successfully",
    "Success": true,
    "Status": "Success",
    "ReferenceNumber": "twty2t76527t128628728",
    "ResponseCode": "V",
    "ActionCode": "00"
}

// "FAILED" Scenario

{
  "Error": {
    "code": "unknown: code:FAILED",
    "message": "Declined action code 65"
  }
}